2022 Total Rewards Guide - myneighborlybenefits.com

1 2022 Total Rewards Guide Total Rewards / 2022 TABLE OF CONTENTS YOUR BENEFIT CHOICES .. 1 IMPORTANT PLAN INFORMATION .. 2 QUALIFYING LIFE EVENT 2 COMPANY-PROVIDED BENEFITS .. 3 BASIC LIFE INSURANCE guardian .. 3 ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE guardian .. 3 short -TERM DISABILITY (STD) COVERAGE .. 3 EMPLOYEE ASSISTANCE PROGRAM (EAP) .. 3 SMARTDOLLAR .. 3 MDLIVE VIRTUAL VISITS .. 4 HEALTHJOY .. 4 PAID TIME OFF (PTO).. 5 COMPANY PAID HOLIDAYS .. 6 DISCOUNTS PROGRAMS .. 6 ACCESS PERKS .. 6 PROTRADENET DISCOUNTS FOR YOU .. 6 ELECTIVE 7 ELIGIBILITY .. 7 MEDICAL INSURANCE .. 7 YOUR COVERAGE CHOICES .. 8 COMPARING YOUR 2022 MEDICAL OPTIONS .. 8 HEALTH SAVINGS ACCOUNT .. 9 DENTAL COVERAGE .. 10 VISION COVERAGE .. 11 DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT (FSA).

2 12 LIFE INSURANCE .. 12 LONG-TERM DISABILITY (LTD) COVERAGE .. 13 ACCIDENT COVERAGE .. 13 CRITICAL ILLNESS COVERAGE .. 13 401(k) RETIREMENT .. 14 ADDITIONAL RESOURCES .. 15 HOW TO ENROLL .. 15 IMPORTANT CONTACTS .. 15 HEALTH COVERAGE NOTICES .. 16 This Guide highlights the main features of many of the benefit plans sponsored by Neighborly. Full details of these plans are contained in the legal documents governing the plans. If there is any discrepancy between the plan documents and the information described here, the plan documents will govern. In all cases, the plan documents are the exclusive source for determining rights and benefits under the plans. Participation in the plans does not constitute an employment contract. Neighborly reserves the right to modify, amend or terminate any benefit plan or practice described in this Guide .

3 Nothing in this Guide guarantees that any new plan provisions will continue in effect for any period of time. This Guide serves as a summary of material modifications as required by the Employee Retirement Income Security Act of 1974 (ERISA), as amended. 1 Total Rewards / 2022 YOUR BENEFIT CHOICES The Neighborly Total Rewards Program is designed to meet the needs of our diverse and growing family of Associates. Whether you re starting your career, raising a family, or building toward retirement, we have an array of choices offering flexibility to meet the needs of whatever stage of life you are in. The Neighborly Total Rewards Program Provides: Company-provided basic benefits at no cost to you Comprehensive benefits that respond to your specific needs Benefits provided at no cost to you: Basic Life AD&D short Term Disability Employee Assistance Program HealthJoy (offered to medical plan participants) MDLIVE Virtual Visits (offered to medical plan participants) SmartDollar (Financial Wellness) Paid Time Off (PTO) Holiday Pay Benefits you must elect: Medical Dental Vision Optional Life Insurance (associate, spouse, and/or child) Accident Insurance Critical Illness Insurance Long Term Disability Health Savings Accounts (HSA) Dependent Care FSA 401(k) Benefit enrollments are made online through the Paylocity Enterprise Benefits portal.

4 Link to the Enterprise Benefits Enrollment Guide available online at WELCOME! At Neighborly , we believe our Associates are truly our most valuable assets and are important to our continued success. We are committed to making a sizable investment toward your security, protection, and future opportunities. We proudly feature a comprehensive benefits package providing you the opportunity to design your own benefits program according to your needs. 2 Total Rewards / 2022 IMPORTANT PLAN INFORMATION Our benefits plan year is January 1 through December 31. Prior to the beginning of each Plan Year (typically in November) you will have an Open Enrollment opportunity to consider changing your current benefit elections. The benefit elections you make as a new hire (including newly eligible due to status change to a full-time position) or during Open Enrollment will remain in place unless you experience a Qualified Life Event.

5 QUALIFYING LIFE EVENT CHANGES If you request a benefit change mid-year due to a Qualified Life Event the change: Must be requested within 30 days of the event*, Must be consistent with the event. Qualified Life Events Include: Change in Status** Spouse s or Dependent s Open Enrollment Judgment, Decree, or Court Order Enrollment/Ceasing to Be Enrolled in Medicare or Medicaid Benefits are paid via payroll deduction. If you are placed on unpaid leave you must contact People Services and make arrangements to pay any premiums to avoid benefit cancellations. Unpaid benefits are cancelled after 30 days. *Life Event changes become effective the first of the month following completion of the enrollment. **Change in Status includes change in marital status, change in number of dependents (due to birth, adoption, death), change in employment status of the employee, spouse or dependent, dependent satisfying or ceasing to satisfy Plan s eligibility requirements.

6 Benefit enrollments are made online through the Paylocity Enterprise Benefits portal. Link to the Benefits Enrollment Guide available online through 3 Total Rewards / 2022 COMPANY-PROVIDED BENEFITS These benefits are provided to all eligible Associates and are paid by Neighborly . No enrollment is required, and the benefits begin automatically after the required waiting period(s). BASIC LIFE INSURANCE guardian If you die, this plan will pay your beneficiary a benefit equal to 1x your annual base salary, with a minimum benefit of $25,000 and a maximum benefit of $200,000. ACCIDENTAL DEATH & DISMEMBERMENT (AD&D) INSURANCE guardian If you die from an accident, this plan will pay your beneficiary an additional benefit equal to the full amount of your Basic Life Insurance. short -TERM DISABILITY (STD) COVERAGE The STD Plan benefits begin after day 0 of accident or day 7 of illness.

7 The level of income for the disability period, combined with other sources, is 60% of weekly earnings up to a maximum of $1,250 per week. Maternity short -term disability is paid at 100%. Maximum length of benefits is 12 weeks. This plan is sponsored by Neighborly and is a self-insured disability plan. guardian is the claims administrator and provides administrative claims services only. EMPLOYEE ASSISTANCE PROGRAM (EAP) The EAP provides free and confidential support and guidance to you for matters that range from personal issues you might be facing to information on everyday topics that affect your life, such as finances, legal issues, and work/life balance. You or your family members have unlimited telephone access to qualified counselors and up to 3 face-to-face visits per year based on need. It s as easy as calling 1-800-386-7055 to speak with a counselor.

8 You may also access resources online at Username: Matters Password: wlm70101 SMARTDOLLAR You ve worked for your money now make it work for you! SmartDollar is free online financial wellness benefit that can help you take control of your finances, get the most out of your paycheck, and stay on track to reach your financial goals. Phone: Neighborly to 33789 Online: 4 Total Rewards / 2022 MDLIVE VIRTUAL VISITS The last thing you want to do when you re feeling sick is to wait in a crowded ER waiting room or Urgent Care clinic. With MDLIVE from BCBSTX you can skip the line - and the high costs! Save time and money with 24/7 access to a licensed doctor by phone or video chat with a $44 consult fee. For mental health visits, costs range from $80 to $175 depending on visit type and services received. Phone: 888-680-8646 Online: APP: Download from the App Store or Google Play HEALTHJOY HealthJoy is the virtual access point for all your healthcare navigation and benefits needs.

9 Provided at NO COST to help you understand and make the most of your benefits. HealthJoy offers 24/7 access to a dedicated healthcare concierge team, telemedicine visits, and care navigation tools. Easily locate in-network doctors, find extra savings on your prescriptions, and spot errors in your medical bills. HealthJoy's mobile app and dedicated member support team are always on hand to help make it easier to stay healthy and well. Learn more about HealthJoy at JOY: Meet JOY! JOY is your virtual AI-powered assistant. JOY is available anytime, anywhere to help explain how HealthJoy works, provide personalized guidance, send reminders and alerts, and answer any questions. Benefits Wallet: Access all your benefits in one place in the digital benefits wallet. You can personalize your wallet to fit your life. One click gets you the information and assistance you need.

10 On-Demand Health Care Concierge: Chat with a live health care concierge in seconds. Simply send a request and quickly receive assistance on anything related to your benefits or health care needs such as questions, claim issues, clinical issues, appointment setting, research, provider and facility recommendations, cost estimation, medical device help, and more. Phone: 877-500-3212 Online: Email: 5 Total Rewards / 2022 HEALTHJOY BEHAVIORAL HEALTH One in five American adults has experienced a mental health issue, but you don t have to suffer alone. You can access virtual appointments with a licensed therapist from home through HealthJoy Behavioral Health at NO COST TO YOU!. This new benefit gives you easy, convenient access to online therapists without travel, hassle, or high fees. Behavioral health sessions are conducted by a licensed therapist.